Unoccupied Property Insurance

Cover for anyone that owns or has a financial responsibility for an unoccupied home

Who can take out this cover?

Our unoccupied property insurance is suitable for all residential properties which are left empty including ones that are undergoing works. It doesn't matter if they are to be let or owner occupied after the work is completed.

 

You may be intrested in this product if you are one of the following:

  1. A residental landlord who is awaiting a new tenant(s)
  2. You are renovating an empty property (including structural works)
  3. Executors of a property in probate
  4. You have brought an empty property at auction
  5. You are selling a property and it is left empty while awaiting sale
  6. Your a homeowner who is taking an extended holiday  - for example on a gap year
  7. You are working away from home for more than 45 consecutive days leaving the property empty

FAQ's

Q) Can I switch the policy to a general household policy mid-term?

A) Yes

 

Q) Can I switch the policy to a occupied let property policy mid-term?

A) Yes

 

Q) Can you cover short term periods?

A) Yes the policy can be for 3, 6 or 12 month periods

 

Q) Can you cover property while it is being renovated?

A)  Yes, we can cover most unoccupied properties undergoing works including: redecoration, redevelopment, restoration, extensions, renovations etc. We also have flexible limits to the value of the works being undertaken.

 

Q) Do you cover malicous damage by a tenant?

A)  Yes, if you have selected cover level 2 or 3. It is excluded under level 1 cover.

 

Q) Do you cover escape of water?

A)  Yes, if you have selected cover level 2 or 3. It is excluded under level 1 cover.

What type of cover do we offer?

We offer 3 different levels of cover for you to choose from

Level 1

  • Fire, lightning, explosion, earthquake or aircraft
  • Subsidence, ground heave or landslip (unless excluded at the quote stage)
  • £100 excess increasing to £1,000 for subsidence claims
  • Property owners liability cover up to £5,000,000

Level 2

  • All level 1 covers
  • Plus limited cover for theft, malicous damage and escape of water up to £2,500

Level 3

  • All level 1 covers
  • Plus cover for theft, malicous damage and escape of water

Unoccupied Commercial Property Owners Insurance

Covers properties that are:

  • To be sold
  • Awaiting letting
  • To be renovated
  • To be owner occupied

Unoccupied Undergoing Works Property Insurance

Covers unoccupied residential properties that are undergoing renovation. This may be minor or major refurbishments.

Unoccupied Residential Property Insurance

Covers properties that are:

  • To be sold
  • Awaiting letting
  • Pending probate settlement
  • To be owner occupied
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